      (* (:num-years m)
         12)))
 
+;(s/defn total-monthly-payment)
+
 (def foo (make-mortgage 500000 0.0325 0.2 30))
 
 (comment
-  (get-loan-amount foo)
-  (is-jumbo-loan foo)
-
-  (s/fn-schema get-loan-amount)
-  (s/fn-schema make-mortgage)
 
   (base-monthly-payment foo)
   (total-mortgage-price foo)


(s/defn get-down-payment :- s/Num
  [m :- Mortgage]
  (- (:house-price m)
     (* (:house-price m)
        (- 1
           (:down-payment-percentage m)))))

(s/defn get-loan-amount :- s/Num
  [m :- Mortgage]

; f7: step into
; shif-f8:  step out

; per https://smartasset.com/taxes/oregon-property-tax-calculator#7KnveUIptd
(def multnomah-county-property-tax-rate 0.01123)

; per http://www.valuepenguin.com/average-cost-of-homeowners-insurance
(def average-monthly-homeowners-insurance-payment 47.98)

(s/defschema Mortgage
  {:house-price             s/Int
   :apr                     s/Num
